Jill on Money with Jill Schlesinger Buckets in Retirement
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Nov 20, 2025 Stacey, a retiree-to-be from Washington State, dives into her financial future as she seeks advice on retirement planning. She discusses when to withdraw from her various asset 'buckets' and shares details about her pension and financial goals. Jill emphasizes smart strategies, urging Stacey to prioritize certain accounts for withdrawals and consider the implications of market conditions. With a focus on timing and flexible work options, they explore how to ensure a comfortable retirement while managing healthcare costs.
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Preserve Retirement Accounts; Use Liquid Buckets First
- Delay large Roth conversions until you have cash needs covered and access to funds in retirement years before 59½.
- Use taxable brokerage and high-yield savings for early-retirement liquidity rather than draining retirement accounts early.
Caller Snapshot: Aggressive Saver With House
- Stacey is 53, earns about $150k, and hopes to retire in four years with substantial retirement and brokerage savings.
- She owns a mortgage-free $800k house and plans to use brokerage funds for the first years of retirement.
Sequence Withdrawals To Avoid Early Tapping
- If you retire before 59½, plan to live off brokerage/high-yield savings and delay tapping traditional IRAs until penalty-free.
- Let your Roth grow and rely on pension and Social Security later to cover needs.